Looking up towards majestically tall Ash trees and blue skies, in an Edwardian age semi-detached house on Ruskin Park, Denmark Hill, SE24 (its post code) South London England. It is a beautiful spring evening in this inner-city suburban district of Britain's capital, approximately 5 miles south from the River Thames. A jogger runs past the elegant line of period homes that were completed in 1908, the age of innovative building in the new 20th Century. The properties overlook the borough park named after John Ruskin, the renowned artist and cultural commentator who lived in nearby Herne Hill. It looks an affluent area, a prosperous location to invest in a mortgage in uncertain times with market prices falling during the credit crunch and recession.